What kind of bank is online banking talking about Which bank is a credit union

Internet banking is online banking, you can use the computer to access the Internet, online transfers, repayment, shopping and other transactions, you need to open online banking business in the bank before you can have online banking, online banking has personal banking public version and personal banking professional version of two kinds, I recommend that you handle personal banking professional version, so that it is safer. If you open online banking, you can conduct banking transactions at home, which is convenient, but if you don't have a computer at home, it is recommended that you do not apply for online banking, because it is not necessary, and if you go online in a public place, it is easy to cause password leakage. In addition, many banks now have mobile banking, so you can also set up a mobile banking, which has similar contents, but requires your mobile phone to support and open GPRS

All banks support online banking.

Strictly speaking, rural credit cooperatives belong to the banking industry, but they are not banks, they are one level lower than banks, and they can be upgraded to banks after meeting the conditions of banks, that is, rural cooperative banks or joint rural banks that exist in many places.

There are many online banks, and basically banks can open online transactions online.

Rural Cooperative Credit Cooperatives. It's about the same as a bank.

Online banking is an online service opened by outside banks, and it seems that all banks have it now, and credit unions do not have online payment functions. Credit unions can't buy things online.

Credit unions are depository money banks.

It is an independent financial institution. The main functions of rural credit cooperatives are to raise idle funds in rural areas, provide financial services for agriculture, farmers and rural economic development, handle deposit and loan business for farmers, and handle related financial business for other enterprises.

Rural credit cooperatives are a kind of special financial organization, which is a rural financial cooperative formed by peasants' voluntary shareholding, and in the very beginning, the number of rural credit cooperatives was very large, and in the fifties and sixties of the last century, basically every township and town had its own credit cooperative.

The differences between rural credit cooperatives and banks are mainly reflected in the following aspects

1. The nature is different.

The five major banks are large state-controlled banks, while credit cooperatives are generally cooperatives composed of members, and most of them are currently controlled by local governments.

2. The scope of business is different.

The five major state-owned banks have business all over the country and even some important cities in the world, and can provide customers with a full range of financial services. However, the business scope of rural credit is generally confined to the region, or even within the county, and its functions and services are relatively simple, and it is generally mainly based on absorbing deposits and issuing loans.

3. The organizational structure is different.

Rural credit cooperatives are owned by farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations within their jurisdiction, and on the basis of the cooperative system, absorb the joint-stock cooperative operation mechanism of the joint-stock cooperative community local financial institutions, and their business operations are managed and operated by the members on the basis of democratic elections by the members designated by the members, and are responsible to the members, and their highest authority is the members' congress.

However, the five major state-owned banks have a relatively complete organizational structure, and their internal structure is usually composed of three organizational levels: decision-making, execution, and supervision, and there are many functional departments and branches, and the division of labor among each functional department is very clear.

4. The status is not the same.

The five major state-owned banks currently represent the highest level of China's banking industry, and are state-controlled super-large banks, which are directly controlled by the Ministry of Finance on behalf of the Ministry of Finance, and the five major state-owned banks in addition to the general banking nature, also have an important means of national economic regulation and control, therefore, the five major state-owned banks are of great significance to China's finance, economy and society, and basically to the point where they cannot go bankrupt.

Credit cooperatives generally refer to rural credit cooperatives, and rural credit cooperatives (English name rural credit cooperatives, Chinese abbreviated as rural credit cooperatives, rural credit cooperatives) refer to rural cooperative financial institutions established with the approval of the People's Bank of China, composed of members' shares, practicing democratic management, and mainly providing financial services for members.

Rural credit cooperatives are independent enterprise legal persons, which are liable for the debts of rural credit cooperatives with all their assets and enjoy civil rights in accordance with the law. Their property, legitimate rights and interests, and business activities carried out in accordance with the law of the state are protected by the laws of the state. Its main task is to raise idle funds in rural areas and to provide financial services for agriculture, farmers and rural economic development.

In accordance with the provisions of national laws and financial policies, organize and regulate rural areas, support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and restrict and crack down on usury.

China's rural credit cooperatives are collectively owned banks, and rural credit cooperatives are local rural banking cooperative financial institutions managed with reference to the Commercial Banking Law.

Bank card refers to a credit payment instrument with all or part of the functions of consumer credit, transfer and settlement, cash deposit and withdrawal, etc., which is approved by commercial banks and postal financial institutions. Bank cards have reduced the circulation of cash and cheques, making banking fundamentally different from the limitations of time and space. The use of the automatic bank card settlement system has made the dream of a "check-free, cashless society" a reality.

The process of applying for a credit and debit card is not the same. When applying for a credit card, you need to bring your valid documents (ID card or copy of ID card or copy of household registration book or household registration book), proof of residence, proof of income or proof of personal assets to the bank counter to go through the relevant procedures, and you need to fill in the application form, which requires true information. After filling in the application form, it is necessary to go to the head office of the opening bank for the record, and the head office of the opening bank will review the application materials, and the card can be issued to the customer after about 20 working days.

Credit cards can only be applied to customers aged 18 and above, and minors are not allowed to apply for credit cards.

Applying for a debit card is relatively simple, you only need to bring your valid documents (ID card or household registration booklet), go to the opening bank to fill out the application form, and the card can be issued to the applicant at that time. There is no age limit for debit card application, and minors can also apply for it. When customers under the age of 16 apply for a debit card, their guardian must go to the counter of the bank branch with the account book (or relevant proof if it is not on the same account book), and the person to be handled can not be present. Minors who have reached the age of 16 but are under the age of 18 can go to the bank counter with their work certificate and ID card to apply for a debit card by themselves if they have already participated in the work. Applicants aged 18 or above can apply for a debit card directly at the counter of a bank branch or a self-service card kiosk with their ID card.

According to national regulations, debit cards handled as minors do not have the function of online banking and cannot be bound to mobile payment software.

Credit unions are money banks that deposit hidden money. The nature of credit cooperatives is that rural cooperatives are financial institutions and do not belong to joint-stock banks. Credit cooperatives refer to depository institutions established with the approval of the People's Bank of China.

Rural credit cooperatives are democratically managed and committed to providing financial services to their members. The main purpose of rural credit cooperatives is to raise idle funds in rural areas and better provide financial services for the development of agriculture, farmers and the rural economy.

From its point of view, it can only be seen as a part of the commercial house

For settlement business, loans are issued by rural credit cooperatives, and partner loans are preferred. It doesn't have as much business as commercial banks: partners put excess money into rural credit cooperatives

Intermediate business - for corporate savings business

Account business. Intermediate business

Insurance business. — For individuals.

What can rural credit cooperatives do?

The nature of the rural credit cooperatives in the credit business: partnership - collectively owned.

Let's talk about its institutions: the rural credit cooperatives only have credit institutions. There are no risk management institutions, human resources institutions, etc. of general commercial banks. Its functions are generally as follows: corporate deposits

Credit operations.

1.Nature of the credit union: partnership – collectively owned.

Let's talk about its institutions: the rural credit cooperatives only have credit institutions. There are no risk management institutions, human resources institutions, etc. of general commercial banks.

Its functions are generally as follows: corporate deposits, credit business, settlement business, intermediary business - for enterprise savings business, credit business, account business intermediary business, insurance business - for individuals What can the rural credit cooperatives do: the partners put the excess money into the rural credit cooperatives, and the rural credit cooperatives issue loans to the outside world, and the partners give priority to loans.

It does not have as much business as a commercial bank, and it can only be seen as a part of a commercial bank. However, the nature is fundamentally different from that of commercial banks.

2.Relationship: Credit unions and banks are both financial institutions.

3.Differences: Credit cooperatives generally provide financial services to rural and urban populations, and the varieties are relatively simple, such as savings, loans, transfers, guarantees, etc.

Banks generally provide financial services to the urban population, and there are a variety of them, in addition to the above, there are also credit cards (overdraft cards), e-banking, international business and so on. Compared with banks, credit cooperatives have poor financial strength and fewer service varieties.

Extended information: Rural credit cooperatives have been established for more than 50 years, and in different historical periods, they have different differences from the Agricultural Bank of China

A few years ago, rural credit cooperatives were under the management of the Agricultural Bank of China, which was a system, and all of them handled rural financial business, with the difference that the Agricultural Bank of China was a national unit and its personnel were cadres. Rural credit cooperatives are collective units, and their personnel are employees.

In 2004, according to the regulations: the rural credit cooperatives were separated from the Agricultural Bank of China, and the "China Credit Cooperatives" system was established, the full name of which is the Rural Credit Cooperatives Association, which still handles rural financial business and is under the management of the China Banking Regulatory Bureau.

year, according to the regulations: the name of the rural credit cooperative, the financial business handled by the unchanged, the subordination from the management of the Banking Regulatory Bureau changed to the management by the local government, this year several provinces in the country set up a "provincial association". Rural credit cooperatives are local financial organizations that are owned by farmers, implement democratic management of members, and mainly provide financial services for members, and its service objects are farmers, the service area is in the rural areas, and the service goal is to promote the development of the local economy and social stability, and the rural credit cooperatives have made great contributions to China's agriculture and rural economy and rural social stability in different historical periods for more than 50 years since their establishment.

A credit cooperative is a rural cooperative financial institution established with the approval of the China Banking Regulatory Commission, composed of members, democratic management by members, and mainly responsible for providing financial services to community members.

Credit unions have something in common with banks:

All belong to financial institutions. Differences between credit cooperatives and banks in handling deposit, loan and fund settlement business:

1. The business scope of credit cooperatives is generally to provide various financial services to rural and urban populations, such as "special services for migrant workers' bank cards" and "small credit loans for rural households". Banks generally provide wealth management services to the population above the county seat in large market towns, and the varieties are relatively rich.

2. The credit union is a legal entity with independent accounting of the county-level association, and sets up branches below the county level; Banks have many branches, and the branches are not business units with independent accounting, and are generally second-level legal entities.

In the system division.

Bai, credit cooperatives and banks are both financial institutions, but zhi is not a credit cooperative.

DAO is a non-financial institution. Credit cooperatives, the full name of credit cooperatives, are a kind of collectively owned credit institutions, and they are also a kind of mutual aid and cooperative financial organizations that are common in many countries. His funds** are paid by the members of the cooperative and the deposits absorbed, and his loans mainly meet the financial needs of his members.

There are two types: rural and urban credit cooperatives!

Rural Cooperative Bank. Different from rural commercial banks, rural cooperative banks are a new form of banking organization built on the basis of following the principle of the cooperative system and absorbing the principles and practices of the joint-stock system, and are community-based local financial institutions that implement the joint-stock cooperative system.

What kind of bank does the Rural Commercial Bank belong to?